Gulf Winds Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Gulf Winds Credit Union's highest tracked CD (share certificate) rate is 4.21% APY on a 13-month promotional CD ($500 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.40% to 3.70% APY.
Tracking began .
Gulf Winds Credit Union CD & share certificate rates
Membership required. Term share certificates from 6 to 60 months and 5- and 13-month specials, each with a $500 minimum; dividends compound monthly. IRA certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 5 months | CD Specials Promotional | 4.11%Verified October 22, 2026 |
| 6 months | Share CD | 1.40%Top 87% · $10k reference sampleVerified October 22, 2026 |
| 12 months | Share CD | 2.00%Top 83% · $10k reference sampleVerified October 22, 2026 |
| 13 months | CD Specials Promotional | 4.21%Verified October 22, 2026 |
| 18 months | Share CD | 3.40%Top 60% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Share CD | 3.50%Top 56% · $10k reference sampleVerified October 22, 2026 |
| 36 months | Share CD | 3.60%Top 37% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Share CD | 3.65%Top 32% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Share CD | 3.70%Top 33% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.21% APY (13 months). The standard rate for a similar term is 2.00% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $221 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Gulf Winds Credit Union's best CD rates by term?
Gulf Winds Credit Union's best rate is 4.21% APY on 13 months, verified October 22, 2026.
- 5 mo4.11%
- 6 mo1.40%
- 12 mo2.00%
- 13 mo4.21%
- 18 mo3.40%
- 24 mo3.50%
- 36 mo3.60%
- 48 mo3.65%
- 60 mo3.70%
How much interest could a Gulf Winds Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$456.38 interest · $10,456.38 at maturity on $10,000.00.
4.21% APY · 13 months · CD Specials · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 5 months | $84.574.11% APY · CD Specials · Promotional | $169.154.11% APY · CD Specials · Promotional | $422.874.11% APY · CD Specials · Promotional | $845.744.11% APY · CD Specials · Promotional |
| 6 months | $34.971.40% APY · Share CD · Standard | $69.951.40% APY · Share CD · Standard | $174.871.40% APY · Share CD · Standard | $349.741.40% APY · Share CD · Standard |
| 12 months | $100.002.00% APY · Share CD · Standard | $200.002.00% APY · Share CD · Standard | $500.002.00% APY · Share CD · Standard | $1,000.002.00% APY · Share CD · Standard |
| 13 months | $228.194.21% APY · CD Specials · Promotional | $456.384.21% APY · CD Specials · Promotional | $1,140.954.21% APY · CD Specials · Promotional | $2,281.914.21% APY · CD Specials · Promotional |
| 18 months | $257.403.40% APY · Share CD · Standard | $514.793.40% APY · Share CD · Standard | $1,286.983.40% APY · Share CD · Standard | $2,573.963.40% APY · Share CD · Standard |
| 24 months | $356.123.50% APY · Share CD · Standard | $712.253.50% APY · Share CD · Standard | $1,780.623.50% APY · Share CD · Standard | $3,561.253.50% APY · Share CD · Standard |
| 36 months | $559.673.60% APY · Share CD · Standard | $1,119.353.60% APY · Share CD · Standard | $2,798.373.60% APY · Share CD · Standard | $5,596.733.60% APY · Share CD · Standard |
| 48 months | $770.953.65% APY · Share CD · Standard | $1,541.903.65% APY · Share CD · Standard | $3,854.743.65% APY · Share CD · Standard | $7,709.493.65% APY · Share CD · Standard |
| 60 months | $996.033.70% APY · Share CD · Standard | $1,992.063.70% APY · Share CD · Standard | $4,980.153.70% APY · Share CD · Standard | $9,960.303.70% APY · Share CD · Standard |
How Gulf Winds Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 19 of 64 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Gulf Winds Credit Union (this institution)CD Specials · Promotional | 13 months | $500 | Coverage: AL, FL | 4.21% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 13 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Coverage: NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Gulf Winds Credit Union on October 22, 2026.
About Gulf Winds Credit Union
- Legal name
- Gulf Winds Credit Union
- Regulator ID
- NCUA 68694
- Headquarters
- Pensacola, FL
- Available in
- AL, FL
- Total assets
- $1.4 billion
- Also known as
- Website
- www.gogulfwinds.com
Source: rates read from https://www.gogulfwinds.com/invest/term-share-certificates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Gulf Winds Credit Union?
Among the rates we track, 4.21% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Gulf Winds Credit Union CD?
The lowest minimum we found is $500.
How does Gulf Winds Credit Union's best CD rate compare with Treasury yields?
4.21% APY is −0.39% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.21% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Gulf Winds Credit Union CDs insured?
Gulf Winds Credit Union is a federally insured credit union (NCUA 68694). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Gulf Winds Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Gulf Winds Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Gulf Winds Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Gulf Winds Credit Union before opening an account. This page is not financial advice.